No doubt there are those who are truly lacking in money, but those are the extremely small minority. The problem with most people is that they spend too much. I know many acquaintances who readily complain about the rules/tax/gst/jobs, yet they regularly eat at restaurants, drive a car, go for aesthetic treatments, etc. Living a basic life in Singapore is actually relatively cheap. It’s only when you add in all the unnecessary items that it starts to get expensive.